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The home buying process can be confusing, but...
Are you interested in learning more about the excellent customer service you’ll receive during the VA home mortgage process?
Read testimonials & reviews from some of our customers below and find out what they are saying about our commitment to quality.
“Throughout our lifetimes we have had to do business with several different mortgage providers. Each time was a nightmare to say the least- even at our own bank! No one was ever straight forward with us on the paperwork they still needed or what to expect and when to expect it. Due to all of the issues we’ve had in the past we were a bit skeptical of even trying to move forward with our VA Cash-Out Refi with any company. Things with other companies had been so stressful, we almost tossed out the whole idea. But, before we “threw the baby out with the bathwater” we found First Mariner and talked to Dennis.
He is honest, respectful, and REALLY knows what he is doing. Dennis has true integrity, which is so hard to find these days. Most importantly he always laid out the correct expectations for us and for the bank. Everything went EXACTLY as he said it would without a hitch. It went so well (compared to our other experiences), to be honest we feel a bit dumbfounded! In a good way of course. This is the way handling a transaction should work. You can’t change the past, but boy do we wish we could have used Dennis for all our other previous transactions. Moving forward we will never go anywhere else other than Dennis/First Mariner- and we’ll be referring anyone who needs a mortgage his way as well.
Thanks again for the great experience and helping us reach our goals!”
“I have closed two loans with Joe. One was a refinancing and the most recent one was a home purchase. With both loans, Joe was great to work with. He was always available to answer questions and on my most recent loan, he gave me great advice on how to best structure the loan in order to give me the most benefit. I have given his name to several of my friends, and I know at least two that have used him or are using him. They have thanked me many times for recommending Joe because of how knowledgeable Joe is and how stress-free he makes the process of getting a loan to closing.
I will definitely keep recommending him to anyone I know who is refinancing or buying a home. He’s the best!”
“I am writing today to express how pleased my husband and I were to work with 1st Mariner Bank in refinancing our income property. Specifically Jon Zemarel and Mary Beth Norwood. They were friendly, professional, and got us through the whole process in less than a month. They were both patient with our questions and quick to respond to e-mails and phone calls. I wish I could say that all of my dealings with mortgage handlers were as pleasant as it was with these two!
Thank you, Jon and Mary Beth for taking such good care of us.”
“We just wanted to say thanks to you [Mary Beth Norwood] and the team at 1st Mariner for making our VA IRRRL go so smoothly. We had a difficult experience with another lender that left us a bit hesitant to pursue the refinance any further, but you quickly put us at ease. With a turn around of less than two weeks, we didn’t even have time to worry!
So, again, thank you so much for showing us that there is someone out there willing to put the Veteran first in this process. You and 1st Mariner have helped us to have an easy, positive experience that will save us money and give us peace of mind as homeowners.
It’s truly been a pleasure working with you.”
“I am writing you to inform that Dennis did a great job with my loan. He was absolutely a pleasure to work with. I have worked with multiple loan officers and Dennis is by far the best I have ever worked with. He was very responsive and took care of all aspects of getting the loan closed. He understood what was needed and told me the first time, so I was not submitting the same information multiple times. He actually cared about customer service. I will do as many loans as I can through your bank because of Dennis.”
“I recently refinanced a rental property for a lower mortgage rate. I had checked out several banks both online and through my financial institution. I filled out several inquiries and usually got bombarded with phone calls from overly aggressive loan officers, even though I specifically asked to be contacted via email. I received an email from Joe Scopel (1st Mariner Bank). He was very polite and courteous. Not pushy and aggressive. He asked what I would be interested in and we communicated via email. He happily informed me that I qualified for the interest rate reduction by almost 1%. After reading some of the reviews of 1st Mariner online, I was skeptical about going through with the process. Joe assured me that he had never experienced an upset customer and guaranteed that he would stand by me throughout the entire process.
I decided to go ahead with 1st Mariner. Joe was a tremendous help. He never missed an opportunity to contact me and make sure everything was going smoothly. It took me all of about 30 minutes (total) once the loan was approved. Joe arranged for a local notary to come to my house and sign the paperwork. He gave me all the necessary timelines and let me know every step of the process.
After the process was complete, Joe made sure I had all the necessary information to make my first payment. He still checks in about once a week just to make sure everything is good. As a representative of 1st Mariner Bank, Joe Scopel truly embodies the personal loan officer that everyone wishes for. He went above and beyond to make sure everything was done right. Additionally, he had NO aggressive behavior and took the time to fully explain every detail.
I appreciate 1st Mariner Bank and would HIGHLY recommend them for anyone doing a VA-refi!”
“It was a pleasure working with Dennis [Waskiewicz] from the beginning to the end of the loan refinancing. The first thing that comes to mind when I think of my experience with Dennis is the fact that he is a man of very high personal integrity. When I first called him and discussed that wanted to refinance, he did not try to talk me into doing it or use any high-pressure tactics to convince me. He carefully and meticulously spelled out all the pros and cons of refinancing a house that was “under water” and then gave me a few days to think about it and talk it over with my wife.
In retrospect, every single thing Dennis told me would happen – happened! There were several hoops we had to jump through to get everything done. It didn’t make it any easier that I am in Afghanistan with a 10.5 hour difference, and Dennis also had to make sure my wife was kept abreast of everything because she played a big role in the refinancing. Even with the time difference, I could call Dennis at any hour to get answers to any questions or concerns I had. My wife could also contact Dennis at any time when needed.
I had tried to refinance my house on several occasions but I did not feel that any of the loan officers had our best interest at heart and some simply told me they couldn’t do it. Dennis was the exception and explained everything to me in a way that I could understand. It is very important to have trust in the loan officer with whom you are working, and I trusted Dennis from the beginning and knew he was looking out for our best interest.
There was very little stress or misunderstanding associated with the refinancing because Dennis was always there to promptly answer all of our questions. My wife and I feel really relieved that we were finally able to take advantage of the low interest rates offered now and thanks to Dennis, our out of pocket expenses were much less than we originally thought we’d have to pay. I will definitely recommend Dennis to any of my friends or colleagues who are looking to refinance or purchase a home.”
“Thank you Dennis, I appreciate your assistance with this. You made it quite easy. I know I had received quite a few mailers about a potential refinance, but didn’t trust any of them until you called to discuss my options. Getting the lower rate will allow me to allocate more money to paying off other debt.”
“I am writing this note to thank Denise DeCarolis for all her hard work for me and two recent mortgage loans that I secured through [1st Mariner Mortgage, a division of] 1st Mariner Bank. In September 2014, Denise helped me with a refinance of a VA loan on a rental property I have in Oklahoma. She helped me get a great interested rate, and most of all, she was always responsive and dedicated to helping me get to closing without any problems. I was so impressed with Denise that I used her mortgage services again in November 2014 to buy a new home. She was able to get me to closing in less than 30 days and she met all the timelines we had throughout the process. I would certainly use Denise again if I ever buy another home, and I will recommend her to all of my friends. She is very personable and without a doubt, one of the hardest-working mortgage professionals I have ever worked with.”
“I would like to highlight an outstanding performance on the part of Mary Beth Norwood and 1st Mariner Bank. Our original lender informed us only days before we were to close that they were having issues processing our loan so we reached out to Mary Beth for help.
Our contract with the sellers was in jeopardy, but Mary Beth assured us she could find ways to accelerate the loan process to save the deal. We started a new loan process with her and 1st Mariner Bank only the day before we were due to close. She worked with her management, communicated the urgency, and was able to close our loan in a record 10 days! This was less time than our original lender was going to be late. To accomplish this amazing task, Mary Beth was in constant contact, communicated the priorities, and was always available for urgent calls. The result meant the preservation of our contract and the process, despite the pace, felt less stressed than what we experienced with our original lender. Thank you Mary Beth for an outstanding performance and for over the top customer service!”
“I had expected tons of paperwork and weeks, if not months, of delays and back-and-forth clarifications to get a VA refinance for my Virginia condo. But after an initial clear and frank discussion, Dennis did all of the upfront work and made the process basically painless for me.
I still can’t believe how quickly and smoothly the process went — from the assembled papers ready for my review and signature, to the agent’s visit to my home to finalize the refinance. All friendly, but professional, clear and reality based. I’m pleased as punch, and give this transaction a ten out of ten.”
“I have been working with Mary Beth Norwood in purchasing my new home. I was VERY happy with her professionalism and willingness to go above and beyond with helping me. She was very knowledgeable and experienced in VA loans and I will gladly make and have made referrals! Thank you 1st Mariner Bank!”
“[…] My husband and I recently refinanced using your services. We worked with Dennis Waskiewicz who did an excellent job. From the moment I called he was professional and friendly and answered all of my questions. He explained everything clearly, making the process easier to understand by talking me through each step. Communication with Dennis was so convenient, he was always available by phone and email. Our refinance was done quickly and was a painless process. Thank you very much for everything! We are very happy with our new mortgage!”
“It was a true pleasure to work with 1st Mariner during the mortgage process. Chris Edge was efficient and effective with problem resolution and communication. We look forward to working with the 1st Mariner Team on our next home mortgage!”
“Working with Joe on my recent mortgage refinance was a walk in the park. He made it stress-free and simple to understand. Joe helped me make a sound financial decision, and took the time to explain all options regarding interest rates and how each [rate] would effect the short and long term payments of my new loan. [I] waited a year looking at different banks and their options and Joe was the only one that did not try to sell me something. He listened and came up with a plan that fit my needs and budget. Thanks again, Joe, it was a pleasure doing business with you and 1st Mariner Bank.”
“We worked with Dennis Waskiewicz on the purchase of our home in Carmel Valley, CA. We contacted Dennis prior to having a property in escrow and advised him of a tight time-frame in which we needed to complete the purchase with VA funding. My husband and I have bought and sold several homes and we have never come across someone as professional and efficient as Dennis. Dennis was able to close our loan 20 days from the date we identified the property… unheard of! We were expecting to have some bumps in the road given the loan size and the fact that we were working with VA funding, but our fears were completely unfounded. We would (and have) recommended Dennis to all of our friends, both military and civilian. He is truly the best loan officer we have ever worked with!”
“My experience with 1st Mariner Bank was extremely simple in comparison to the horror stories I have heard from my professional peers. The process has been streamlined and simplified as a home loan can be expected with the today’s complicated processes and legal requirements. My loan officer [Chris Edge] replied to all my emails, phone calls, and even text messages within minutes. I was able to secure my home loan within a few days and was even deployed to Afghanistan during part of the process; as a result I was able to close on my new home within a month. I am not an easily satisfied customer, I can be very difficult to deal with and very demanding at times; hence it was a pleasure securing a home loan with 1st Mariner Bank.”
“[…] Thank you for the great service and for helping me start my life in my new home. Thank you for getting everything together quickly. You all are the best! I couldn’t thank everyone enough for all the help.”
“I had the privilege of being referred to Chris Edge by my realtor on the recent purchase of my first home in the state of Maryland. Knowing very little about mortgages, I had many questions and a whole lot to learn. Chris was very patient and detailed in mentoring me on all aspects of the mortgage process and mortgage types and guided me through the process. During the processing, Chris kept in touch with me, constantly providing me with updates on the status of each step of my mortgage and often followed up with frequent phone calls and emails. We closed on the home within 30 days and the process was flawless. Chris is honest, trustworthy, and extremely intelligent and has a tremendous work ethic, often working 7 days a week and late hours into the evening. Without hesitation, I would recommend Chris Edge to everyone and anyone who has mortgage needs.”
“I was working with a local bank on my second home with an accepted offer. The first offer fell through because the seller was being unreasonable, the second offer seemed to be going well until just before closing. The bank told me the home was never VA approved and would have to go through a process that could take 30-60 days. I was heartbroken! Everybody was blaming each other for the paperwork not being completed right away. After a few weeks went by with no answers, the seller and I mutually agreed to seek other options. I then found the VA handbook for lenders online and found out it was the lenders responsibility to ensure that the home was VA approved. I could no longer trust this lender.
I found VAMortgage.com and was a bit skeptical at first, but after some online investigation I decided to trust them. I could not be more glad that I did! Not only were they ready to close in less than 30 days (which I was told by my other lender it was impossible to close in less than 45-60 days), but the service was fantastic and they kept in frequent communication during the entire process. Someone was always quick to answer my questions and provide reassurance even when things were not going well with the appraisal. I highly recommend VAMortgage.com and 1st Mariner Bank!”
“My loan funded with your company July 7th. It was a miracle that can only be attributed to your company and Dennis Waskiewicz’s diligence. I want to thank everyone involved. Sometimes in life people enter to save you, this happened to me when I met Dennis Waskiewicz on your 1st Mariner Bank web site.
Agent Orange had killed my husband of 46 years. His illness had financially challenged my business and I was emotionally distraught over being turned down for a VA loan by my bank of 30 years, […] and 3 other VA lenders. Being self employed, having a VA issue getting a widows certificate, and proving income from multiple sources were all time consuming and challenging. Not once over the process of getting funded did Dennis show anything but a supportive and positive attitude. His clear direction on what he needed and help in obtaining all information was outstanding. His kind, warm, and very knowledgeable help was so appreciated. He worked many hours to get me a loan that others said was a loan the VA would not fund. I am forever grateful to him and 1st Mariner.”
“Over the past year we have had the good fortune to work with Chris Edge, a Loan Officer with 1st Mariner Bank. We initially were in contact with him because of a failed attempt to refinance our home of 25 years through another lender. Through the ups and downs of interest rates during that time and while addressing issues related to improving our home before reapplying for refinancing, Chris has given excellent advice and guidance. He and all of the other 1st Mariner employees, with whom we have dealt, have been thoroughly professional and dedicated to providing excellent service.”
“The refinance process with 1st Mariner Bank was absolutely wonderful from start to finish. Denise, our loan consultant was absolutely wonderful and did an amazing job of communicating with us throughout the entire process. She is a true professional and I would absolutely work with her again in the future! Thanks 1st Mariner Bank!”
“The reason for this letter is to express our gratitude to Mr. Edge, for his hard work and dedication to our 100% Cash-out refinance. The first step in refinancing a home loan is locking in an excellent loan officer, who’s fully committed to his clients, and understands what it will take to successfully process the loan his clients are seeking to obtain. Mr. Edge was both committed and knowledgeable during our entire refinance process. He was courteous and ensured everything was in order to expedite the quickly refinance as smoothly as humanly possible. Throughout the week, he would check-in on us, to ensure we didn’t have any questions, which was major for us to know that although we were miles apart it seemed like he was just down the street. We can’t express it enough how thankful we are for your dedication to our family, and your prompt attention to fulfill our financial needs.”
“I am writing to let you know what a wonderful experience I had with Denise DeCarolis. I contacted her with questions about whether I could even qualify for a mortgage based on my financial history. She went over and above the call of duty to research programs for which I might be qualified. Upon finding a program, she double and triple checked every detail to make sure that the loan would go through without an issue. And throughout the entire process, she stayed on top of everything; working closely with my realtor to ensure that any question that arose was handled immediately.
Denise is that rare gem of a person who is diligent, hardworking and focused completely on the customer. I cannot say enough about how great she was to work with. Even my realtor commented on how Denise was an asset to getting this deal done quickly and without issue. I will not hesitate to refer Denise to everyone that I know!”
I’m writing to thank you for getting me a great mortgage with 1st Mariner Bank. I just wanted to let you know how incredibly impressed and pleased I was with working with you during the process of purchasing my first home. You took the time to help me understand each step. You had a positive attitude and happily answered all of my questions and returned my phone calls on a timely basis. Again, thank you for your efforts and I will most definitely recommend you to my family and friends with any mortgage issues.”
“I can’t begin to express my gratitude towards Mary Beth Norwood. Mary Beth provided me with exceptional, professional service. She made my application, and VA loan a very positive experience. I can honestly say that I will be a permanent customer for all future needs and I will definitely recommend Mary Beth Norwood and 1st Mariner Bank. Mary Beth is a great asset to 1st Mariner Bank. […] I apologize for the nervousness and indecision, but it seemed as if the process was unduly burdened with various circumstances that left me feeling less than confident I would realize my goal. You were a steady beacon amongst all that – always patient and always delivering. If there is anything I can do to return that contribution please let me know. I would work with you again without hesitation.
I would give Mary Beth Norwood the highest marks for customer service, knowledge and professionalism. I certainly will be calling her the next time I need to buy a home and will highly recommend your company and her personally to others that I know.”
“[…] I do believe that without Joe’s help, I would have quit half way through attempting to buy a second home in the south. I’m 61 years old and have bought numerous properties, but this was the first from 600 miles away in a state where I was unfamiliar with the rules and customs. The problems were numerous and never ending, but while they were constantly waking up the Irishman in me, they didn’t seem to slow Joe don’t a bit. The man was even helping me out when the deal should have been done and he was on vacation! The best compliment I can give Joe is the one I give to anyone whose work ethic and abilities impress me. If I was in his business, I’d hire him in a New York second!”
“I applied for a mortgage with your bank and was told certain things that would happen by [Dennis]. Everything that he said was absolutely fact. He was pleasure to deal with and very patient with my questions. I will recommend your bank to all my associates and friends because of the treatment I received.”
I just wanted to drop a few lines and let you know how much I appreciate the work you did on our refinance. I’m pretty sure we have been working on this project since last November. We started with getting our condo on the approved VA list which was quite time consuming and required a lot of communication from you. Throughout the entire refinance process you were very diligent, organized, and professional. It was always easy to reach you and if I couldn’t reach you right away, you always got back in touch ASAP (even with the time difference). I really appreciate your attention to detail and your excellent customer service work ethic. I will definitely keep you in mind when I know fellow vets looking to refinance. I wish you the best in your career and your continued success!”
“Hello! I hope all is well! I want to send a huge compliment to Denise DeCarolis. She is simply amazing! I am a first time homebuyer and Denise has walked me through every step. She is always available to answer my questions and I know she is on my side. She has been very kind and helpful and I am truly truly grateful for her!”
“Denise and Ingrid did a stellar job in working with me on my recent small but important mortgage. I can only think that if they treat others as good as they treated me, that they should be flooded with business and great referrals. I will certainly send anyone I know their way. Thanks again.”
John and I would like to thank you for everything you did to help us complete the loan process. We really appreciate it. Thank you again.”
“It was a pleasure working with Mr. Waskiewicz. He was very professional, efficient, friendly, helpful, and honest. The whole process went smoother and quicker than I expected, and if I ever have to do this again I will contact Mr. Waskiewicz. Thank you!”
“I was pleasantly surprised to receive an e-mail from Joe Scopel on the one year anniversary of my home loan from your Bank. Joe was instrumental in helping me gather the necessary forms and information to satisfy all, including the VA’s stringent requirements. He was very knowledgeable, calm, and available at all times. The approval was timely, the rate was outstanding, and the costs were below the Good Faith estimates. I would highly recommend 1st Mariner Bank and Joe Scopel to family, friends, and veterans alike.”
“We recently refinanced using Dennis Waskiewicz as our loan officer. Dennis was very attentive to our needs, as well as prompt with responding to our calls, and in general, readily available. It was reassuring that Dennis demonstrated a complete understanding of the refinancing process. He is professional and friendly, and we will recommend his services to others.”
“Would just like to take the time to acknowledge one of your employees, Justin Johnson, for his professionalism and patience in dealing with refinancing our loan. Justin made us feel comfortable throughout the whole ordeal and I will definitely refer anyone seeking the same type of services to Justin and to the corporation [1st Mariner Bank] he works for.”
“I just closed on a home this week and wanted to let you know how great it was to work with Denise DeCarolis and her 1st Mariner team – Ingrid, Chris, Merci, (did I leave anyone out?). Somehow, we always manage to make time to complain about a service that we did or did not receive, but compliments don’t seem to reach their destination.
This began as a message to 1st Mariner Mortgage’s general email to find out about their 6-month extended lock program and someone named Denise DeCarolis responded very quickly and to the point. As time went on the scenarios changed, but what didn’t change was the fact that throughout the entire process, Denise was always quick, calm, and above all, patient. Besides being knowledgeable, she has a great sense of humor and really advocates for her customers.
Denise and her team were so efficient and fun to work with. They are an example of “real old-fashioned” customer service at its best which is not easy to find these days.”
“I just wanted to take a moment and express my gratitude and appreciation for Dennis Waskiewicz. I contacted Dennis back in September to procure a VA home loan for a home we are in the process of building. All was progressing well and we were able to lock at a great rate on the 1st of Oct with a 60-day lock. Things were great until our builder began to fall further and further behind schedule and missed our delivery day and exceeded our budget. Dennis was a calming force and was determined to find a solution to our dilemma. After extending our lock the first time, the builder again was unable to deliver. Then a second time due to no Certificate of Occupancy, Dennis was able to go to bat and once again obtain a rate lock extension… amazing! I cannot speak more highly of his professional service or ‘can-do’ attitude… truly an asset to your organization. Please pass my sincere appreciation for the incredible job Dennis did in bring my mortgage to a close!”
“I would like to let you know you have a great employee, Charlie Maykrantz. I recently purchased my first home and I couldn’t have done it without the help of Charlie. He has done an astonishing job as far as getting every thing I needed done in a very quick time manner. This being my first home, he walked me through step by step in what I needed to do. I couldn’t have asked for a better person or company to help me get what I needed done. Thank you for your time and for such a great experience.”
“It is not often that we take the time to do this, but we believe it is important to recognize certain individuals that stand far above the rest and put their whole heart and soul into what they do. We can’t begin to express how much Steve Davids was “that guy” for us. About four months ago, when we contacted Steve with questions about the process of a VA Mortgage, we both knew we liked him. His positive attitude, his continual attentiveness, his acute awareness, his ability to problem solve, and his professionalism were unparalleled. We didn’t know it then, but Steve’s attributes and just the person he is would be priceless.
Let me just say, we are a first-time home buyers. Although, we have had relatives and friends who have told us “stories” about their experience. It is quite different when it is you. Our home buying experience (between buyer and seller) was no different. Notwithstanding, Steve always kept us on track. Now, I will admit I am not always the easiest person to please, but I cannot begin tell you to what lengths Steve went to make my fiancé and I happy.
What’s more, the purchase of our home was as important to Steve as it was to us. In addition to his friendly customer service, Steve took many hours out of his personal life to answer our calls and texts after hours and on the weekends and believe me we had him on speed dial. You know when you talk to someone about something important to you, you do not want to hear uncaring robotic replies. Never did we get that impression of Steve. We could hear it in his voice. We could see it in his actions. We knew from our first interaction with him, he wasn’t just a “suit” at the other end of a telephone, he was a friend who cared.
I am sure that you already know that Steve Davids is an asset to your team, but we just wanted to tell you again. We truly believe that the essence of a man is exhibited in his qualities and how he treats others. Steve is a man who knows and loves people. These are two qualities that are not easily found today, especially coupled with the knowledge Steve has. You can’t ask for anything better than that. Because of our experience with Steve, we have recommended 1st Mariner Bank to our friends and family and look forward to working with him again in the future. Thank you for your time and Happy New Year!”
Thank YOU for making this sale go so smoothly! I really appreciate the great communication throughout the process. We will definitely keep you in mind when we have another VA loan. Thanks also for the info on the grant.
Have a wonderful New Years and a healthy and happy 2014!”
Thanks for checking back. No one in your line of work has ever done that before. Everything is GREAT and I couldn’t be happier! Have had ZERO problems and we appreciate that sooooooo much! Have a Happy Holiday, Joe!”
“It is not often that I take the time to do this, and there are so many nice people in the service arena that probably do not receive position comments as they should. Indeed, we know that people are quick to comment whenever they encounter problems with their experience. With that in mind, I could not let this experience go without telling someone about Mary Beth Norwood.
When we first began looking to refinance out of a 3-year ARM, I had no idea that when I answered an advertisement about a VA Mortgage with 1st Mariner Bank, that my encounter would have such an effect on us. From the very first moment that Mary Beth answered the phone, I felt a warm and personal attachment to her. She took the time to listen to me, answer my questions, and offer advice. She also ensured me that she would not rush me through the process and would work with me to be certain the loan we got would be the right one for us when we were ready to move forward.
She helped is to re-establish my husband’s VA benefit and took the time to explain everything. She is very knowledgeable about the VA mortgage process, and I never once felt uncomfortable that she was misguiding us just to make the “sale.”
In summary, Mary Beth Norwood is an employee who deserves praise and recognition, and I would recommend her in a heartbeat to anyone who needs helps getting a mortgage. I also would not hesitate to work with her again if the opportunity presented itself. Thanks Mary Beth – for your patience and guidance.”
“Just wanted to let you know how much we appreciated working with Dennis Waskiewicz on our refinance. We’ve never had a loan process so quickly and professionally. (Our previous one with a bank was a nightmare!) You are fortunate to have such a well-informed worker who knew what he was doing!”
“Denise and the 1st Mariner team were incredible to work with. Everything went smoothly thanks to their diligent efforts to move the loan through the approval process in time for an early close. We used our VA benefits and could not have been happier with the service and support that they provided.”
“I am writing to compliment one of your employees, Dennis Waskiewicz, for the excellent customer service that he provided me when I refinanced my home earlier this month. I had several questions throughout the process, and Dennis was quick to answer them either by phone or email. Additionally, he kept me abreast of the progress of my refinance package and there were a few occasions where he went above and beyond and either conducted research or made phone calls on my behalf thereby lessening my effort so I could continue to work uninterrupted. It is rare that you find employees of such caliber and professionalism. Such a commitment to providing great customer service should be recognized and commended.
I have dealt with your bank before when I initially purchased my home and I have always been pleased with the service I have been provided. With employees such as Dennis, you can be sure that I will continue to do business with your bank for years to come. Additionally, I plan to hand out business cards and recommend Dennis as the go-to person when considering a refinance or even a purchase of real estate.”
“Hello, my name is Captain Jeff J. and I just wanted to thank you for providing such a wonderful staff with great insight, knowledge, motivation, and commitment with specific regards to my loan agent, Justin Johnson.
In lieu of tough times in terms of market and economy, I had several concerns and considerations when choosing a refinance company and refinance options. I did not simply call and choose your company first. I actually called several companies to be taken off their mailing lists and when I spoke to Justin Johnson he not only fulfilled my response but gave me a brief option with pure confidence and competence which resulted in me calling him back within that same week to pursue the refinancing of my home.
I am very knowledgeable and have a background in real estate and mortgage services and Justin Johnson not only answered all of my questions with integrity but taught me several new things during the process.
It was a pleasure doing business with your company, specifically Justin Johnson, and I appreciate all services rendered.”
“My wife and I recently refinanced our home mortgage with VAMortgage.com/ 1st Mariner Bank. I wanted to contact you in regards to one of your employees, Charlie Maykrantz.
I called your bank a few weeks ago to inquire about refinancing our current mortgage. Mr. Maykrantz happened to answer the phone. While I was calling to simply inquire about what your bank could offer, I left that conversation knowing that we would move forward with VAMortgage.com/1st Mariner Bank. Mr. Maykrantz was extremely knowledgeable and accommodating. He welcomed all of my concerns and patiently answered all of my questions.
We were further impressed with Mr. Maykrantz when, to our surprise, he called us on several occasions during the course of refinancing. He checked in with us regularly to assure that everything was going well and as planned. He even called to confirm that our notary showed up as scheduled to sign the final documents. You cannot know the appreciation we have for an employee that shows what we feel to be honest concern about our needs and satisfaction during this process.
After dealing with our previous lender, it was a pleasure to work with Mr. Maykrantz. He was courteous and helpful and went above and beyond our expectations. It is because of Mr. Maykrantz’s outstanding customer service and care that we chose your bank. As a result of our experience with Mr. Maykrantz, we have referred several friends to VAMortgage.com (one is currently closing on his refinance). We felt it only right that Mr. Maykrantz be recognized for his excellent service. I do hope he will get the recognition he clearly deserves, as this level of customer service is becoming harder to find in this day and age. Thank you again.”
“We recently purchased a house and decided to use 1st Mariner Bank for our mortgage. Our loan officer, Chris Edge, was fantastic to work with! He was always available to answer all of our questions and was very helpful. Our realtor also mentioned that she had never dealt with someone from a mortgage company who was so thorough and on the ball. We would recommend using 1st Mariner Bank and Chris Edge to any of our friends and family.”
“A note of appreciation for loan officer Justin Johnson. I made contact with Justin through an email he sent me. I replied and told him to take my name off his list. I was so underwater with my CalVet loan he was wasting my time and his. Justin persisted and convinced me to try. My refi funded on Tuesday (10/08/2013). I now have a 4.5 % interest rate vs 5.7% with CalVet. This is a substantial monthly payment savings allowing this old 100% combat service connected disabled paratrooper a much better monthly cash flow […] Justin kept us informed every step of the way and reassured us when I had reservations. He has a pleasant and confident voice. I say he is an asset to your bank and you are fortunate to have him.”
“…Thank you so much for all of your help with the mortgage. We closed yesterday, with no issues. I wanted to let you know that Chris was fantastic to work with, he was very knowledgeable and was great at getting back to us quickly! My realtor really enjoyed working with him as well, she told me multiple times how great he was and said that he had never dealt with someone from a mortgage company who was so thorough and on the ball.”
“I just wanted to thank you for the excellent service we recently received from your bank and in particular, Joe Scopel. From our first conversation, all the way through the process, and to closing, Joe kept our buyer and me informed and current with how it was going and what was needed to get to the closing. We work with several [different] lenders, and the level of service we received was exceptional. Please pass along my thanks to Joe and the rest of your team for making it happen! Thank you!”
My wife, Paula, and I have lived in Frisco, TX since 2002. The year before, we rented an apartment in Plano, TX. When we moved to Frisco, we bought a house – the house in which we now live – and with all the volatility in mortgage/bond rates over the last dozen years, or so, we have refinanced our VA loan five times. The last three of those have been effected through the outstanding work of Justin Johnson, and I copied him on this note because he knows we respect both him and his performance, although we have never actually met.
The bottom line is quite simple: “Fool me once, shame on you. Fool me twice, shame on me.” No one has been fooled, and we are delighted that Justin worked on our behalf those three times. Prudent consumers don’t avail themselves of a “loser,” and Paula and I both are quite prudent. Not only will we look for Justin if we ever again refinance; we’ll look for him if we sell, move and repurchase.
I simply cannot adequately convey our absolute delight with Justin, his performance, and the results he achieved on our behalf. Add that to the fact that is professional in all respects, and exceedingly considerate of our time, and he is – perhaps – the perfect mortgage broker…or as nearly so as I’m likely to find in my lifetime!”
“Tarik really helped to get this deal done. It seemed like it wasn’t going to happen and a lot of things kept making it difficult, but Tarik kept working and got job done. He did fantastic job! Thanks again, Tarik.”
From the very second we spoke on the phone, we knew you were going to make this experience a great one. Refinancing your mortgage can be very nerve wracking and hectic, but you made it none of these. You went above and beyond our expectations and worked through all the “bumps” with ease and sincerity towards us, and always gave us the information in a timely manner. We could not have been happier with your dedication and hard work you put in for us, as well as making us feel as though we were family and not just clients. I will highly recommend you to any and all individuals looking o refinance their current mortgage or even purchase a new loan through 1st Mariner Mortgage.”
“I just wanted to email you, Chris, and tell you what a pleasure it was dealing with you from the beginning to completion of my home loan. You were there whenever I had a question. I don’t believe I waited longer than an hour before you responded back to me. The customer service that you displayed, should be used by corporations who deal with customer service as an example of how it should be done! Once again Chris, it was a pleasure. Thank you!”
“I wanted to write you to let you know of our experience with your bank, specifically with Justin Johnson, in regards to our VA Streamline Refinance. I know that most people only send out negative feedback, but I want to assure you that this time, this is not the case!
We shopped around our refinance to several different companies, and after 48 hours of research, we chose to refinance through 1st Mariner Bank, entirely because of the service that Justin provided for us. The original interest rate that Justin set us up with was not the lowest bid (although the rates changed and he was able to match it once we had started the process), but Justin’s customer service and professionalism was so far above and beyond any of the other companies that we talked to that the choice was clear and easy.
And I gave Justin a challenge! I called him around the 20th of August, and asked if it would be possible to close our refinance before our next mortgage payment was due! After looking at our information, and walking me through the process over the phone, he assured me that while we wouldn’t be able to close by the 1st of September, that we would be able to close before the 16th, before our mortgage payment would have been considered late. But aside from that challenge, Justin took the time to walk me through, step by step, everything that was needed, and why these things were needed. And when I couldn’t find a specific piece of paperwork, HE did the footwork to get that document, so as not to slow down the process.
He was ALWAYS on the ball as far as communicating with either myself or my husband, and took the initiative of calling my husband if I was not immediately available to speak with (or visa versa). I never once had any second thoughts about what Justin was up too, or worries about anything in regards to our refinance.
Thanks to Justin, we are able to step into the next chapter of our lives knowing that our investment into the property in Las Vegas will be protected and financially manageable for our family! I have already recommended him, and through him, your bank, to several other friends who are looking to refinance their VA mortgages.”
Thank you so much for your patience and for educating me during the process of refinancing. I am so happy that Kim recommended me to you and your company, as I was not happy at all with [another bank]. We truly appreciated that you were there when we needed answers and to process the paper work on behalf of us. I can confidently recommend anyone to go through a refinance or any type of mortgage process [with 1st Mariner Bank]. Thank you so much again for all your assistance, Kevin. We are absolutely pleased with your professionalism, knowledge, swiftness, and friendliness.”
“I wanted to finally take a moment and send word to you about one of your Mortgage Consultants, Tarik Walker. I recently approached Mr. Walker about refinancing my mortgage and he wasted no time in getting the ball rolling. He explained the different options I had, how long the process would take, and what was needed from me. Mr. Walker was always readily available to assist me with any questions I may have about the process. He was determined to make sure that I received first-rate customer service as well as deliver a good rate to me. He succeeded on both ends. This was definitely a pleasant and painless refi. Thanks again!”
“Matt Britton has mastered the finer points of the VA loan. In March 2012 I was well underwater on my first (yes, Matt got me a second) VA Loan. I visited VAMortgage.com, leading to a call from Matt, and within a month he saved me about $400 per month by refinancing my home via the VA IRRRL (Interest Rate Reduction Refinance Loan). No appraisal necessary! I thought it was too good to be true, and was skeptical, but Matt handled everything. A lawyer stopped by my house within a month, and in a half hour I had a 3.75% APR. It gets even better. Matt informed me I could use my remaining entitlement to purchase another home with a second VA loan. I did so in July 2013 at an even better rate. He understands the intricacies of the VA’s rules; since I used the IRRRL, the VA no longer required me to occupy the first home. I was able to use the difference between the $417,000 loan limit and the amount of my first loan to purchase my new home with no down payment. As much as the two realtors and the seller tried to butcher the deal (unintentionally), Matt coordinated among everyone to get us to the closing. Matt even advocated for me with the head underwriter. I am CONVINCED, that without Matt Britton as my loan officer, pigs would have flown before I moved into this 4,000 square foot home with a monthly payment of $1302!!!”
“I would like to thank your staff for the great customer service that you all have extended me for the refinancing of my loan. Mr. Steven Davids did an extraordinary job with the utmost customer service. He promised me and delivered a swift and painless refinance. Your company has delivered what they said they would do in all the advertisements that have been mailed to the community. Please keep up the good work you all have provided for myself and the next customer.”
“I wanted to pass on my appreciation to 1st Mariner and Charlie Maykrantz for my recent loan refinancing. I was able to reduce my mortgage percentage rate without too much heartache on my end. Everything went very smoothly, except for dealing with the other loan company (and Charlie dealt with that).
I will definitely recommend you to any veteran friends who may be looking for a mortgage in the future.”
Thanks for the email. We just wanted to let you know how great it has been to work with you. You provided such a high level of customer service, were proactive and communicative, and really went out of your way to help us close in a timely manner! We really appreciate it and you made this whole process smooth and headache-free. We will definitely be recommending you to our friends and colleagues!”
Just wanted you to know that we closed on Monday, July 8th. Everything went smooth. I just wanted to tell you that I am so happy I called 1st Mariner Bank and you answered my call. I had so many letters for refinancing and just picked up the first one…and it was you. You made the experience of refinancing a pleasure. If anyone wants to refinance I will be sure to recommend your bank […] Again thanks for all your support.”
“We just wanted to thank your company, especially Steven Davids, as we were able to refinance our loan from 6% to 4%.
Steven was an excellent loan officer who made our experience with the refinance very pleasant. He was very knowledgeable, professional, and provided guidance from beginning to end. Our refinance went through without any snags. We will gladly recommend him to our friends and relatives.”
“Good morning! My fiancé and I recently went through your company that assisted us with getting approved and set-up with a VA home loan. We bought the house May 30 and we could not be happier! But what I wanted to do is give some feedback on our experience with your company.
I have never bought a home before and I was really hesitant on going through the process and actually buying a house. I had already contacted 2 other companies that claim they deal with VA loans before contacting your company. For better words they lacked in information, and one is even my own personal bank that is also a Military bank. But once I was put in contact with Mr. Justin Johnson, he assisted me with gathering the proper materials and information that was needed for getting approved. I believe I called him every day for a month and a half just asking him questions. He was very professional in his job and at times when it seemed stressful on getting approved he assisted in explaining to me how it works when reviewing an applicant for a home loan. Mr. Johnson was very respectful and always offered help in anyway and ALWAYS called or emailed me back on any inquires that I had.
This is the first time ever that I’ve ever written a “feedback” to any company but I felt that it was only right with all the assistance that was given. I’ve had such a good experience with not only Mr. Johnson, but your company that I will for sure pass this information [along] and recommend your company to others. Thank you for your time and patience with the whole process!”
We want to thank you for the work you did to complete our recent VA mortgage. We appreciated your efficiency and thoroughness. You answered our questions quickly and processed the loan as you promised. We appreciated the closer coming to our home to complete the loan. Thank you for making it possible for us to have a mortgage now at a lower interest rate.”
When one does a super job as you and your staff; one must stop and take time out to let them know and show appreciation. In the past, we have settled with many lenders with owning multiply homes. What we have never experienced was such a fast smooth transaction that we received from you and your staff. From the start of application to the end of settlement, your staff was so pleasant and made it seem so easy. You have to be proud of them! […] Joe and I felt as we were family. We also received cash back at settlement. Turned around in a few days and the Fed-Ex was right at our door. Even though we are in the Ocean Pines, Berlin area far away. We are going to let everyone we know to call your group. Thank you so much. (Big Smiles)”
For many years, we have tried to refinance our houses. We thought that as people who have always paid their mortgage payments on time, there would be banks that would be more than happy to help us refinance and save some money. Unfortunately, it seemed impossible. Some banks would tell us that it was pretty much impossible for us to do, which I didn’t understand. We received a letter from you and decided that, once again and despite what other banks had told us, we would contact you and try again to refinance. You have made the process effortless and have done it to the correct standards of refinancing for veterans. Because of you, we will save almost $7000 a year! The process couldn’t have been easier for us and you were always very attentive. Contacting you was always easy and you were always quick to respond if we had any questions. We will highly recommend you to anyone else that we know who is looking to refinance or buy a home, especially a veteran!”
“Good morning, My wife and I just closed our refinance through your bank, working with Mr. Steven Davids. I wanted to take a second to express how amazing the experience was because of his efforts and support. We have bought countless cars, loans and our first home buying experience, and working with him was by far the best customer service I have ever seen. There wasn’t one question that he didn’t have the answer to, and we didn’t wait more than a few seconds for a response from emails and returned calls from him. My family and I thank you and especially Steven for his and your company’s efforts! We have already begun telling our friends and everyone who will listen about our experience, and that they need to call him and get started!”
Thank you again for your dedication and continued support reference the refinance of my VA mortgage. This was definitely a team effort and I certainly appreciate yours. I was very satisfied with your customer service and it is my intent to pass that along to your managers.”
Just wanted to tell you that everything went great and it was a pleasure to work with you on this. You were very professional and made this a quick and easy process. I have actually recommended my Mother and Father in-law to contact you as they are interested in refinancing their house as well. Once again, thanks for making this an easy process.”
Thanks again for all your help! You’ve been wonderful in my plight and the way you speak to me eases my fears about going through all this. We’ve never met but you speak to me as a friend, and that’s why I’m wanting to get my mortgage through your company.”
“Let me say it was a pleasure working with Justin on refinancing my VA Loan. He was very professional and kept me in the loop during the whole process. He answered my questions thoroughly and promptly. I would definitely recommend him to others looking to refinance.”
“Recently, my husband and I worked with Joe Scopel to refinance our house through 1st Mariner Bank. We had dragged our feet before starting the refi process, dreading the difficulties and delays. Mr. Scopel made the process easy. He worked with us on the phone and through email, which made the process effortless. His communication with us was timely, straightforward and honest. The documents were prepared perfectly, and we were approved in a very brief time frame. He was knowledgeable and professional. We appreciate his hard work on our behalf.”
Thanks for all your help! We are really pleased to have met you and [dealt] with your professional services. Let us know if the escrow has closed and have a great week!”
“I wanted to let you know how pleased I am with my VA Streamline Refi experience with 1st Mariner Bank/VAMortgage.com. I had a Cal-vet home loan and have been trying to refi my VA loan to a lower fixed rate to save tons of money over the life of the loan. Multiple national banks both large and small have turned their back on me and said they could not help me. Then after 6-8 mos of trying and getting turned away I did receive a advertisement in the mail from your company. Not thinking much about it, other than just feeling hopeless with nothing to lose, I initiated a web chat and Matt Britton was on the other end. Matt asked a few questions and we soon were talking over the phone. He is a true Patriot and great loan officer and very professional at what he does. He answered all my questions along the way, kept us informed in the loan application process and escrow steps. He never gave up on us! Next week, we will be closing on a VA Streamline and saving tons on interest each month. Thanks again, you have a great employee working for 1st Mariner Bank! I will recommend Matt and VAMortgage.com to all my military friends and to other non-military friends as you guys can write loans for almost every loan package. Thanks again and great job again Matt, he had us approved and ready to close in just over a month.”
“I just wanted to let you know that Steven Davids did an excellent job with our refinance. He made the process very simple for us, and he was always eager to answer any questions we had along the way. Very professional and courteous. Just wanted to let you know! Please tell him thanks for me.”
I wanted to take a moment to share some very positive feedback with you regarding one of your employees, Dennis Waskiewicz. I originally called him just to inquiry about the possibility of re-financing my home through your organization as I was conducting a bit of research on-line. Keep in mind I have been getting your mail flyer’s for months, but when I talked to him on the phone I realized what a total pro he was, and that I wanted him involved in the process of refinancing my home. Dennis was completely knowledgeable about the process, extremely helpful, and always available to answer questions.”
“Thank you with the help in processing my VA IRRRL refinancing. It was a pleasure working with you. I am appreciative of your willingness to work with me on some of the financial points and your ability to process this quickly – much more quickly than my current bank.”
“I wanted to send a ‘THANK YOU’ to you for the work one of your team members, Steven Davids, did with helping my husband and I refinance our home. Steven was very responsive and helpful through the whole process and truly was a joy to work with. We were a little hesitant to go through this process as we have been burned before when we thought about refinancing a few years back. The previous company was awful and used the worst sales “high pressure” tactics that I’ve ever seen. It was really refreshing to work with Steven and I could tell from the beginning that he was open and honest and appreciate all of the work he did to help us. Thanks!!”
“Good Afternoon Mr. Maykrantz,
I just wanted to thank you again for your professionalism and patience in handling our refinance application. Most of all, thank you for educating us on the HUD-1 statement. I’ve been so busy this week that I didn’t have the opportunity to call you. My husband mentioned that he spoke to you after the closing. We’re very satisfied customers and we’ll definitely recommend your services to our friends and co-workers. Thank you for the card as well. Have a memorable weekend!”
I like to be prompt and responsive for these type of processes. It is much appreciated that you are of the same kind. Can’t express how pleasant this loan process was in comparison to the last mortgage loan I applied for. These type of things do NOT go unnoticed. You are quite the professional Matt and I am glad that we had the opportunity to work together. I hope 1st Mariner takes good care of you – so foolish not to recognize what they have in you. Thanks again Matt.”
“I just recently refinanced my VA loan with the help of Justin Johnson and wanted to let you know he made the whole process incredibly easy and seamless. I plan to recommend him to my friends who are considering refinancing. I put off refinancing for a while because I thought the whole process was going to be a huge hassle but Justin proved me wrong. I just wanted to say thank you.”
“I am writing this letter to thank you for the excellent and very attentive service of your loan officer, Mr. Dennis Waskiewicz. Dennis answered all questions and was completely honest in the numbers he quoted and the time frame he would complete our loan. Just as he told me, he was available at anytime, to answer even the smallest question.
Again, I wish to thank you for the outstanding, professional employee and representative of 1st Mariner Bank.”
“I recently refinanced my townhouse with Justin Johnson, I have to say that it was a very pleasant experience. Justin was there every step of the way, providing much requested assistance and advice. When I called for information he was readily available and fully cooperative. I remember calling on a occasion and getting his voice-mail, I left a message [and] in less than five (5) minutes he returned my call. When he called back I found out that he was at his doctor’s office. Now that impressed me, the fact that he was available to [call] me even at a doctor’s appointment. Overall, I would say that I have not worked with a more caring, knowledgeable or compassionate individual than Justin in quite a while. Thanks Justin.”
Thanks again for your excellent customer service!!! Your explanation of the processes and options available were clear, concise, and delivered in an engaging conversation that made me want to do business with your company (and you). I hope VAMortgage.com and 1st Mariner Bank know you are a valuable asset to their organization!”
“We recently refinanced our home and I can honestly say this was an extremely positive experience for us. Mr. Maykrantz was very professional and personable at the same time. His knowledge and patience are above and beyond what we expected and we are very grateful he was able to be our refinance officer . He answered all of our questions without hesitation and we strongly feel he is a huge asset to 1st Mariner Bank. Thanks again Mr. Maykrantz on a job well done!”
“In mid-March, I contacted 1st Mariner Bank for follow up information on a refinancing option for my primary residence. Needless to say, I had been bombarded over the past months with refinance offers from other banks and financial institutions. Although I certainly had other options, I chose to do business with 1st Mariner for a very simple reason. Charles M. (or Charlie…as I would refer to someone who is a good friend) from the onset took genuine care and patience with his new customer. He made this entire process easy, efficient, and most importantly, effective.
His information and assistance were unparalleled. I did not expect the level of personal care and support since my prior experiences with most other lending institutions could not be characterized as “personal” and “caring”. Please convey to Mr. M my sincerest gratitude for his help. I had learned earlier from a family member that 1st Mariner had ‘good people’ on its team. And you do!!!”
“Just a note to pass on how easy my transaction was through Charlie Maykrantz. I have owned and refinanced homes before, and this experience was the best. Job well done!”
“Dennis thank you. Everything went very well and I am very satisfied with the process. Couldn’t have been any easier from my stand point. From start to finish you were very professional and clear about what was going to happen. Please send me some cards as I would be glad to recommend you.”
You all were EXCELLENT!! Your follow-ups were timely and the level of customer service is most certainly unmatched in the industry. I would have to rate you among the very best that I have seen in regards to processing, responsiveness, follow-ups and honoring commitments. Thanks for making the home-buying experience a very happy and memorable one for me.”
Thank you so much for your help as this process was so much easier than I expected and you were a true professional. On behalf of my family thank you for helping us secure a great rate, which of course is great news for our financial future.”
Thank you for the note, and thank you for all of your assistance through the re-fi process. We were skeptical at the beginning of the process because, as everyone in America is familiar, we receive many calls and many emails with offers that sometimes sound too good to be true(and typically are). But you were different for sure. You present yourself very well over the phone, you were very too the point, very professional, always on time, and not only delivered exactly what you originally promised, but I truly feel that you under promised and over delivered!”
“I just wanted to drop a note to you about Joe Scopel. My husband and I had great experience dealing with Joe. From the first time I talked to him until closing. He had all the answers to our questions and he wasted no time in getting our loan closed with a great interest rate I might add.
When Joe quoted me numbers for our loan they all matched up, unlike other companies I had talked to. I really appreciate his knowledge of VA Loans.”
“Kevin, I would like to echo my wife’s sentiments. I’ve been listening to my co-workers complain about their horrible refinancing experiences to include the many added fees they incurred. This deterred us from considering refinancing for a few months. When we finally decided to give it a shot, I called two companies including 1st Mariner. The first company I called sure enough offered us a decent interest rate, but when we finally got an unofficial offer sheet they had added more fees than originally discussed. I will be honest, when I next called 1st Mariner I expected the same. But, it was quite the contrary. Everything happened so easy and quick that I was sure we missed something. At any rate, we met with the agent (notary) yesterday and the entire process was very smooth. I can’t thank you enough. I plan to send you the names of two of my co-workers in a separate email. They have been monitoring my progress and was just as amazed that I’ve already signed the papers. Thanks again!”
“I wanted to say thank you to Steven Davids of 1st Mariner Bank who handled our recent VA mortgage refinancing. The entire process went very smoothly, his follow up was excellent and always made sure we were made aware of any updates, his time estimation was accurate, and it was the most painless loan process I’ve ever been through. I have to admit I was a little skeptical after we’d really gone through the wringer in our original loan process, but the process was quick and without stress. I am so happy that we were able to secure a lower interest rate and give us a little breathing room in these tough economic times. Thank you again!”
Thank you so much for such a quick and hassle free experience. If I would have known it was this easy to refinance, I would have done it a lot sooner.”
“I wanted to take the time to thank your Loan Specialist, Denise DeCarolis, for her incredible knowledge and patience during my first home purchase. She helped me find the right loan program for me, explained the entire loan process, and kept me updated on my loan from start to finish. After I submitted my paperwork, I was able to close on the loan in less than a month (faster than I could ever imagine)! Not to mention the process was extremely easy and pain-free.
What I really loved about Denise was her responsiveness, professionalism, and work ethic. She really is a top-notch professional in the mortgage industry. I will be recommending her to anyone that needs to purchase a house, and plan to work with her again for any future refinance or purchase needs. 1st Mariner Bank is lucky to have such a hardworking individual!”
“Last week my husband and I closed on a VA refinance and Justin Johnson was our LO. I was a LO assistant at SunTrust for five years a couple years back, so I guess you could say I know the ‘lingo’ a bit. Justin picked up on this immediately. I’m currently still in the housing industry. I’m part of the Florida Hardest Hit Federal mortgage programs. My husband and I received numerous letters in the mail (we’re still getting them) coaxing us to call about doing a VA IRRRL. We weren’t sure it was the right time but I called a few folks to get some quotes. I have lender friends here locally I contemplated calling but Justin was friendly, knowledgeable, laid back and not in the least ‘salesman’ like. I felt no pressure with him whereas I did with some other lenders I called. Consequently, that is the reason why I called Justin back and decided to work with him.
I liked how he actually talked to me a bit about himself personally. I’m a people person, so that was important to me, I felt totally at ease putting faith in him to have our best interest in mind throughout the transaction. Justin is a busy bee, but he was ‘johnny on the spot’ whenever I had a question or needed a response from him about something. I’m sure I asked some questions I thought were senseless, but he made me feel like all my questions were important. It was a pleasant, smooth experience from start to finish, I will definitely give him a call in the future if the opportunity arises. I just hope he will still be working there. He has a lot of potential for growth! Thanks again Justin and 1st Mariner!”
“I just recently completed a refinance of my home with 1st Mariner Bank and I would really like for you to know that Mr. Steven Davids, the loan officer from your bank, was extremely professional and helpful throughout the process. My wife and I had never refinanced a home before and was a little apprehensive about the process, but Mr. Davids walked me through every step and answered many questions and my wife and I had; often times on weekends and during even hours.
What I really liked about Mr. Davids’ assistance was that he was extremely responsive. He provided his personal cell phone number and business email address so that we could reach him at any time. My wife and I cannot say enough about the assistance he provided to us through this process. As a result, when other soldiers and families are talking about refinancing, we have every intention of referring them to your organization and specifically Mr. Davids, if possible.”
“I am generally a very busy man. I am not to busy, however to take the time to tell you about how magnificent your Mortgage Consultant Denise DeCarolis is. She guided me through the process of buying our dream home for our family. I never had a question that “D” didn’t have the answer for. She is a wealth of knowledge and understanding.
Denise had my loan underwritten and approved faster than the sellers could get their ducks in a row to transfer the house. I knew two weeks prior to settlement that our loan was set. Denise had initially told me that 30 to 35 days would be needed to get mortgage approval for closing. She did it in 21 days. It would have been sooner if I had my tax returns to her when she asked for them!
I will be strongly recommending her services to all of my friends, colleagues, fellow veterans and new neighbors. VAMortgage.com is a no non-sense cost effective way to get your VA loan for you new home. Denise may not have ever served in the Marine Corps like I did but let me tell you, she takes charge of her post like a Sergeant of Marines. If I could afford to buy more houses I would call up the “D” and get the job done.”
“I just completed my VA Refinance with 1st Mariner Bank working with Dennis Waskiewicz. I have work in many areas of the business world and Dennis ended up making what can be a very trying experience, when refinancing a home loan, an absolute pleasure. He was very professional, yet still doing up beat with a good sense of humor, and it showed he knew his profession and did it excellently. It was totally stress free and executed flawlessly.
I will without any hesitation recommend Dennis and 1st Mariner Bank to my friends and family should they be looking to do any refinancing. Dennis is truly an asset for you and 1st Mariner Bank.”
“My experience began with a simple letter.
I received this letter from 1st Mariner Bank, which I was assured a low interest rate on my VA loan. After receiving similar letters from multiple lenders, I decided just to dial the telephone, and take a chance. I must admit, I was very skeptical about calling a stranger and provide him/her with my personal information. It almost sounded too good to be true.
From the moment Ted Saunders answered the telephone, he showed me his professionalism, and true commitment to the customer. He kept his word with the interest rate, and his communication via telephone and email was superb. The fact that Mr. Saunders always kept me informed of the status of the loan, made it possible for the loan to close as planned. I must say that my overall experience with Ted Saunders and Mariners Bank was outstanding!!”
“I am writing this letter to inform you of the outstanding service provided to me by Senior Officer, Jeff Hughes. From the very first time I spoke to him on the telephone, I felt that I had called the right place for my refinance home loan. Jeff was thoughtful and patiently walked me through the loan process. He was always responsive to my questions and knowledgeable about the home loan process. His willingness to share details and keep me abreast of changes that were made to my loan application was much appreciated. I am pleased with the lower interest rate and new mortgage payment I will be making with my new loan. I’m even looking forward to making mt first mortgage payment. I would recommend 1st Mariner Mortgage to any of my friends and family because of the positive experience I had with Jeff Hughes.”
As I have already written to you, I would estimate I have done approximately 25 personal loan transactions. Thus I have a relatively experienced perspective. You have been, by far, one of the most attentive, efficient, and communicative officers I have ever worked with. It has been a pleasure working with you.”
“Joe Scopel and 1st Mariner Bank’s outstanding professional staff made a stressful process seamless and pleasant. The 1st Mariner team was always available to me with insightful and prompt answers to all my questions. I literally only had to wait for them to complete the paperwork and they brought it to me via a contracted notary. The entire experience was open and clear which allowed me to continue my day to day activities without worry or interruption from my refinance. I highly recommend 1st Mariner Bank to any Veteran who is ready to re-finance their current VA loan.”
Thank you so much for your help in arranging a refinance of my VA home mortgage. From start to finish, you have been prompt, courteous and clear regarding the process. You answered all of our questions accurately and were always available on telephone or e-mail. Everything has transpired as you described, and the whole process couldn’t have been smoother. We will be saving over $300 per month with our new rate!
I would certainly recommend your company for any veteran who is looking to save a few dollars. Thanks again for all your help!”
“I wanted to send a note to thank Joe Scopel for all of his help with the streamline refinance of our VA mortgage loan. Joe explained everything and kept the whole process very simple. The whole process was great and Joe made it simple! VA can be so overwhelming, that is why we drug our feet in the beginning! It was definitely the best mortgage experience we have had! Thank you very much!”
We just wanted to thank you so much for your help refinancing our home mortgage! As I said so many times throughout the process, if everyone did there jobs they way you do, the world would run so much smoother! We can truly say this was the most well organized, professional, and pleasurable business experience and wanted to make sure you knew how much we appreciate you and your hard work. 1st Mariner bank is very lucky to have you!”
“I am writing this to thank Steve Davids and all the people at VAMortgage.com for making the VA refinancing of my home so easy and pain-free. In the last five years I refinanced two times taking advantage of the lower rates. The last time [I refinanced] I got a bit messed over with fees, and was lied to about the way the loan worked. Steve not only worked fast, he treated me like a friend. He hid nothing and was even higher on his quote than the final figures. (A very rare thing these days for sure!) Steve lined up everything to work with our schedule, and made it so easy that we lined up our closing signing to be on our twentieth wedding anniversary. A great day indeed because now we feel safe and secure about our home and our rate, to match our marriage. As a disabled Vet in weird, uncertain times it is nice to know you can count on someone to not only help you out, but to honestly treat you as a human being and not just another number. Steve is a top notch person in my book and no one could do better than to have him help you with your loan needs. Thank you, Steve!”
Thank you very much for all of your help getting this refinance on my home done as quickly as you did. It’s going to make a big difference in my life. I’m going to be able to get my bills paid off a lot more quickly, and it will make things simpler for me. I just wanted to take a moment and thank you again. You did an excellent job and it’s greatly, greatly appreciated. Many thanks again!”
“I have had my home in Stockton, California refinanced several times since purchasing it. The best company by far that I and my wife have dealt with is the 1st Mariner Bank and their VA Mortgage Division. The person to person care and attention provided to us by Mr. Brian Chisholm was excellent and without flaw. The rate obtained was fantastic and the short time period it took to completion was efficient and well appreciated. I would highly recommend this company for any veterans who are looking to refinance.”
Everything went really well and [the notary] was really good to work with. I can’t thank you enough for all you put into this for us. I really appreciate you and will refer people your way. Funny, it feels as if I know you. It has been great to work with you, your professionalism and friendliness makes for a unique and wonderful experience. Thank you again.”
Thank you for your courteous and great customer service. My re-financing experience with you has been painless. FYI…I have already set up recurring payment with my Bank to pay my monthly mortgage with 1st Mariner Bank. Again, I appreciate your top-notch customer service and loan REFI expertise which made the work on my end very transparent.”
“I just wanted to send a note to let you both know how much my husband and I appreciated working with Justin Johnson on our recent VA Streamline Refinance. We appreciated how smoothly and quickly the refinance went. We have used the VA Streamline process several times over the last fourteen years, but it has never been as easy as this one. I went into the process expecting it to take a couple of months. With Justin in charge, this one took only a month.
I also appreciated that I wasn’t given a different name and number for each step of the process. Having only one Loan Officer through the entire Refi was a huge bonus and one of the main reasons I went with this company. Justin was professional, timely and honest! I will happily share his name with our friends.”
I know you do many of these, but I just wanted you to know that the savings will allow us to go to our family reunion in Kentucky this year, and help me get my son a car who just got his license. Your efforts are much appreciated.”
I want to thank you for everything you did to make our refinance so easy. You did a wonderful job and we really appreciate it. I will definitely recommend you to anyone looking to refinance.”
“I wanted to take this time to THANK Denise DeCarolis for her professionalism in handling the refinancing of my home. I have to be honest, I was fearful being where you are located in Maryland and me being in Ohio, that things would not go as they did.
However, Ms. DeCarolis did an admirable job in preparing my paperwork, the process was so easy and without any problems whatsoever! 1st Mariner Bank should be proud to have an employee like her! Further, I have to say 1st Mariner Bank must have a team of employees like Ms. DeCarolis, and I can always go back to 1st Mariner Bank in the future, knowing I don’t have to worry about anything.”
So far I have to say, you have been extremely helpful and very professional. When I was still working as a Systems Accountant, I had dealt with many in the finance field and other Accountants, and you my friend rate among the top for those in your field. I truly appreciated working with you. When you get time, please let me know, as Paul Harvey did, and now you know the rest of the story.”
Thank you so very much for taking my initial call and for all of the extremely hard work you have put in for me and all veterans.”
“I just wanted to send a quick email to let you know how much my wife and I appreciated working with Justin Johnson on our recent VA Streamline Refinance. I can’t believe how smoothly and quickly the refinance went. I went into the process a little skeptical and expecting it to be a real pain, but was pleasantly surprised at how easy it was! Justin communicated well at every step of the process and was a pleasure to work with. I am happy to refer him to anyone looking for a VA streamline refinance. Thanks again!”
“I would like to thank you and your employer for the excellent job that Steven Davids did on taking care of my VA loan request. I couldn’t have received any better service than what he gave me. He was professional and caring from the first correspondence to the last. It is so refreshing to work with someone of his caliber. I am sure you would agree that is hard to find now days. I believe he honestly cares about veterans as he thanked me for my service several times during our correspondence. I have no doubt that he will excel in whatever he is challenged to do. “
I just wanted to tell you how much I appreciated all you did for us when we refinanced our VA loan back in February of this year! You stood behind what you offered us from beginning to end and I appreciate this so much especially after what I have gone through with another VA Lender that sent me an offer in the mail. I have been given the run around & then what I was offered doesn’t happen! So, no deal with that great rate of 3.25%, no origination fee & -1.00% credit back!!! I told them I don’t want to deal with them anymore & that how they handle their business is something else and I should have stayed with your bank because you didn’t give me the run around & followed the regulations on getting documents out in a timely manner & kept in contact with me during the whole process which they didn’t. The only reason I ever contacted them was because they had offers of 2.75% & 3.25%, never again will I fall for those gimmicks! I wanted you to know that you are the BEST!!!!! I will recommend you to my friends that have VA loans!”
“Thanks Justin, It was a pleasure working with you. I really appreciated your responsiveness. I received a response from you within 15 minutes of every e-mail that I sent to you during business hours- very impressive in my book! Our closing agent, which we selected, also indicated that you were excellent to work with. I’ve strongly recommended you and passed your contact info on to a couple of folks here in the office that are interested in refi-ing.”
“My wife and I recently refinanced our home mortgage with VA Mortgage/ 1st Mariner Bank. I wanted to contact you in regards to one of your employees, Charlie Maykrantz.
I called your bank a few weeks ago to inquire about refinancing our current mortgage.
Mr. Maykrantz happened to answer the phone. While I was calling to simply inquire about what your bank could offer, I left that conversation knowing that we would move forward with VA Mortgage/1st Mariner Bank. Mr. Maykrantz was extremely knowledgeable and accommodating. He welcomed all of my concerns and patiently answered all of my questions. We were further impressed with Mr. Maykrantz when, to our surprise, he called us on several occasions during the course of refinancing. He checked in with us regularly to assure that everything was going well and as planned. He even called to confirm that our notary showed up as scheduled to sign the final documents. You cannot know the appreciation we have for an employee that shows what we feel to be honest concern about our needs and satisfaction during this process.
After dealing with our previous lender, it was a pleasure to work with. Mr. Maykrantz. He was courteous and helpful and went above and beyond our expectations. It is because of Mr. Maykrantz’s outstanding customer service and care that we chose your bank. As a result of our experience with Mr. Maykrantz, we have referred several friends to VA Mortgage (one is currently closing on his refinance). We felt it only right that Mr. Maykrantz be recognized for his excellent service. I do hope he will get the recognition he clearly deserves, as this level of customer service is becoming harder to find in this day and age. Thank you again.”
“I’ve been waiting to refinance several months, hadn’t done it because I didn’t think I had the time. Made a phone call to 1st Mariner Bank and got Justin. He made the process easy, provided information I could check out to insure I was dealing with a reputable company, and took up very little of my most precious resource time. All together the process took less than 4 hours altogether and will save me lots of money. Thank you for fine tuning your refinance process and hiring top quality people like Justin.”
“Good afternoon. I recently refinanced my VA mortgage with your bank, and the amazing assistance of Justin Johnson. My original home loan was coordinated through [another lender], and the process/experience was a nightmare. So much, in fact, that I stayed with a 6% APR for 3 years just to avoid ever going through that hell again.
I contacted Justin under a “too good to be true” prejudice. I explained my situation and my reservations, and Justin assured me that he would do his best to make the process as painless as possible. Over the next few weeks, he did not disappoint me. In fact, it felt like this refinance ran on autopilot. It was absolutely nothing like my mortgage experience.
Your loan officer, Justin, is an asset to your organization. If the VA employed more people like him, I never would have had to refinance. He saved me time, money, and a giant headache, and he did it all with a level of customer service I haven’t experienced in a long time. Keep this guy on your payroll regardless of what it takes.”
You have no idea just how much you helped us out! I would just like to thank you and tell you that you have helped us out greatly.”
“I would like to comment on how well Mr. Johnson worked with my husband and I during our refinancing on our home. I believe if it wasn’t for Mr. Johnson’s patience and going above and beyond his call of duty, I believe we would of said forget it. Mr. Johnson at times had to hold on for a minute while I attended to my 14 month old grand-daughter. Most people would have been upset for this, but not Mr. Johnson; he said that’s ok and you could tell he really understood. That was very nice and polite of him. Most people would have gotten an attitude. That showed me right then he wasn’t only in this business for himself; he was really there to help people like us.
I very rarely write to people’s managers; however, I just couldn’t pass this one up. In today’s world you seldom find people like Mr. Johnson, but when you do you just have to say something. Not only did Mr. Johnson have to hold on for a moment, he also called my old loan company to help me get the papers we needed for your company to be able to process the loan. I would of never been able to know the answers to the questions she asked Mr. Johnson in this matter. I was getting frustrated just listening to her ask him the questions. I was so impressed with Mr. Johnson, I asked him if he wouldn’t mind sending
me some of his business cards to give to people that might need some help buying or refinancing a home. I am very grateful Mr. Johnson was there to help us through this process. I think he is a great asset to your company. Thank you for having him on your team.”
“After dealing with two other lending companies, I just want to take a moment today to let you know how much Karen and I appreciate the excellent job 1st Mariner Bank and Justin did on the refinancing of our VA loan to a lower rate. His expertise and hard work made a pivotal difference in our ability to understanding every step of the process. It is a privilege to work with someone who has his level of capability and initiative.
Mr. Johnson was able to provide examples of the paper work that we needed to provide. He communicated with us in multiple ways whether it by phone, e-mail, or fax, whatever was convenient for us at the time. We were able to contact him at any time if we had a question or a problem and would be able to assist us immediately. He understood the personal nature of dealing with people, something that other lending companies have seemed to have forgotten, you weren’t just a loan contract to him. First Mariner Bank has an outstanding team player that really cares about the Service Men of our country.
Thank you again, on behalf of family, for a job well done Justin keep up the great work. I look forward at recommending 1st Mariner Bank and 1st Mariner Mortgage to other service members and friends.”
“I wanted to take the time to thank Denise for her help in refinancing my VA loan. She really is a class act. Denise’s professionalism and can do attitude helped in my decision to utilize your company rather then go with another. The run around I got from my own representative convinced me to look further into another finance company. I had my original VA loan with them and thought it would be a smoother transition just to go with them. The guy I used there was so eager to help me and sign me up but after the initial information was taken, I had to call him/email him/ text him just to get a response from him. (NOT good customer service) After 2 months of waiting to close, (which I thought ridiculous) I got your mailer. Now keep in mind I do not normally open them and usually throw them away. But since I was feeling like I was just a number, I did. I can’t tell you how glad I am that I did!!!
Being a recruiter, and working for JCPenney for almost 18 years, (as management) I always realized the value of great customer service. It seemed we would always hear the negative but never the positive, when it came to complaints, etc. No one ever took the time to say “Great” job. I pride myself on taking that extra step when receiving good customer service to let people know and that leads me to this email.
Within a month, I actually got to refinance and close. I firmly believe that if I had waited for the original bank to close I would still be waiting. Plus I got a better rate with you!!! Denise’s availability 24/7 made me realize that she has a fantastic work ethic & is straight up with people. A quality I admire. Denise is a top notch Operations manager, and I want to give her kudos. I would recommend Denise highly to anyone who is interested in refinancing. 1st Mariner Bank is lucky to have her.”
“I would like to express my gratitude for the help that Mr. Justin Johnson has provided me and my family during this re-financing process. He has been steadfast in pursuing our refinance process and without him I was ready to just forget about it. He is a great asset to your company and I thoroughly enjoyed working with him and 1st Mariner Bank. I would be happy to recommend Justin and your company to anyone.”
“I recently did a VA rate reduction through your bank and worked with Justin Johnson throughout the entire process. I must say that I was extremely pleased with the work that Justin did. I have had a few mortgages and refinances in the past, and have worked with some good companies and some not so good ones. Justin blew all of those companies away making this the easiest and smoothest process I have ever experienced. I was literally shocked as to how easy of a process this was with Justin compared to my past experiences with other companies. Justin is an expert in knowledge about the product and went above and beyond in the customer service department guiding me through the process. Even when there was a slight error in the paperwork from the last company, Justin took care of it by contacting that company on my behalf and having the error corrected. Also, you can not beat the service of a closing agent coming to your house on your schedule. Justin got me the best possible rate on the street and because of it saved me thousands of dollars. If I EVER need a mortgage product in the future my business will go to Justin Johnson and 1st Mariner. I would recommend Justin to anyone and would be happy to refer any friends and family to him. Thank you for a great product but more importantly thank you for the amazing service.”
Thanks again for all your help getting us this re-fi. The lower rate will really help us out with our monthly budget and finances.”
“Denise thank you so much for all you did getting our loan put together. Smoothest process and a great loan. I can’t tell you how much I appreciated your help throughout the process. Your knowledge and professionalism are unmatched! I will definitely refer anyone I know in the market for a home loan your way.”
“I wanted to advise you of the superior service that I received from Justin Johnson regarding my VA Streamline Refinance. I work the graveyard shift and communication can be a challenge, but not for Justin. After we spoke on the telephone during my initial call, everything was done via email or voicemail. This for me was a pleasant surprise since while most people hear me tell them that I sleep during the day – it does not register. He should be commended.
I would also like to thank your bank for handling VA Streamline Refinancing and for making the process painless, as it was intended. I tried to refinance with at least four other institutions that handle VA Streamline Refinancing before I found First Mariner Bank. Most of the other institutions had additional requirements and one even required proof of income and income tax returns. Some tried to talk me into a conventional loan. In my case 1st Mariner Bank was what it said it was and Justin Johnson took care of business.”
“Thanks Kevin Davis for your hard work and dedication, and how you would call and email immediately. You were great to work with and showed awesome customer service to us.”
“I want to say that I am very pleased with the service I received from Justin Johnson through the re-financing of my home. I felt that Justin gave me the utmost respect, was sensitive to my needs and time schedules, communicated clearly and accurately, was encouraging but not pushy, and represented your company with top-notch professionalism. In light of this, I will refer Justin to anyone I come in contact with that is looking for a home mortgage. I believe that he will live up to my claims and will continue to be a valuable asset to your company.”
“Happy New Year! I just wanted to send a short note to let you know about the AWESOME experience I had dealing with Mr. Steven Davids, during my mortgage refinance. From the first time we talked, until the loan was funded, Steve kept me informed and was a true professional, who clearly enjoys his job and cares about service members. I cannot thank him enough for making the process so easy and for helping me get a lower, fixed rate. I will have no problem referring individuals to Mr. Steven Davids in the future!”
“My husband and I had the pleasure of working with Charlie Maykrantz during our streamline refinancing. He is rather quite amazing and was by far one of the most pleasant fellows we have ever done business with. His professionalism and the desire to do “a job well done” served us well. He made our refinancing experience easier than buying a car!
We thank your company for caring about our service to our country and we want you to know we thank Charlie most of all. He really made us feel like human beings that mattered, can’t ever beat that these days. He has our loyalty and we will be spreading the word of 1st Mariner Bank to everyone we talk to because of him. Thank you again for your outstanding service, we are happy happy customers!”
“I wanted to take a moment to praise one of your employees for the job he did in assisting my wife and I with refinancing our mortgage. Mr. Justin Johnson walked us through the process and from our first conversation we felt that Mr. Johnson was not only trustworthy, but that he was genuinely concerned with ensuring the best possible outcome for us. Mr. Johnson spent many hours on the phone with us answering our many questions and really educating us on the entire process. Mr. Johnson never gave us any indication that he was too busy to talk to us or that he was frustrated by having to explain basic concepts and information to us. During any conversation we had with Mr. Johnson, he really made us feel like we were his only customer, though I know that was not the case. His patience and genuine enthusiasm for what he does made us feel like he really had our best interests at heart.
In the sea of offers from a dizzying number of institutions regarding refinancing our home, the real deciding factor for us in going forward with your company was the personal interaction and attention we received from Mr. Johnson. We were so impressed with our experience with Mr. Johnson that I am going to refer him to any of my friends and colleagues considering refinancing their homes. I think any company has no better asset than the people they have on the front lines dealing with the customer, and 1st Mariner is very lucky to have Mr. Justin Johnson representing them.”
“Thank you very much for helping us to refinance our home. I had started this process with a few other venders before and for some reason they all didn’t happen, mostly because their process was flawed or I just didn’t have a good feeling about their program. When you kept calling and checking to see if you were still in the game for my business I was impressed because you kept making the offers and opportunities better each time and you are very easy to talk to and I felt that you had my interest at hand. Thanks again for the educational process and the savings that I now have each month.”
“I would like to take this opportunity to inform you of the excellent service provided by Justin Johnson. It very seldom in our modern world to find the level of service Justin provided my family and I during our recent re-finance. His professionalism, knowledge, candor, and commitment were above and beyond what I consider to be the standard of customer service. I can confidently recommend 1st Mariner Bank as a solid and reliable company and experts in the mortgage field due to Justin’s service.”
“Just wanted to take a moment to thank you for the professional and expeditious manner with which you processed our VA refinance! Normally such transactions can be very stressful and of late the criterion for qualification changes by the minute making closing these deals complicated and time consuming. It was so refreshing to have been presented with a clear cut list of qualifying factors that were adhered to, a realistic timeline and NO detours or U-turns. Thank you again for making this a pleasurable transaction and for getting the job done quickly and without ado… we have and will continue to recommend you and your company to our friends and colleagues.”
“Everything went great today. The closing took about half an hour and there were no problems at all. It was a pleasure working with you and I will surely refer all my veteran friends your way when they are in need of a VA mortgage. I told the closing attorney to do the same.”
“I contacted 1st Mariner Bank in mid-August regarding a mailing I received about an FHA Streamline program. I was hopeful that I would be able to take advantage of the program, as my mortgage payment and interest rate were quite high, and making those payments was becoming increasingly difficult.
From first contact, Philip Ulzheimer was engaging, kind, professional and well informed. He guided me through the refinance process in a way that made me comfortable and confident that things would go well. As the process moved forward, Philip remained readily available to answer my questions and reassure me, every step of the way. For this, and more, I thank him.
Within two weeks we had a closing date, a mortgage rate three points lower than when we started, and a monthly savings of $624. Add in the fact that the appointment to fill out the application, as well as the closing, occurred at my dining room table while my children slept soundly in their beds, and what you’ve got is one very happy, relieved homeowner. It was a pleasure working with Philip and I would be happy to highly recommend him, and 1st Mariner Bank, to anyone.”
“My wife and I recently concluded a refinancing of our VA mortgage, thanks to the untiring efforts of Mr. Justin Johnson of 1st Mariner Bank. What should have been a routine transaction turned into a legal quagmire when the then current mortgage holder threw up every legal obstacle they could. Obviously, that financial vulture was loathe to give up a lucrative 5.5 percent note in the face of a 3 to 4 percent market. Thanks to Justin’s dogged persistence, perseverance and patience we are no longer indentured servants of this national lender. Justin went way beyond the call of duty.”
“I would like to take this time to thank Justin Johnson for his professionalism and patience in working with us to get our interest rate reduced on our VA mortgage. After reviewing 3 proposals I decided to go with a local lender. Half way through the process they told me that they could not get it done. Then I tried lender number 2 which was located on the west coast thinking closer to home (Maui) is better. I did not follow through with that loan. I felt uncomfortable signing the stack of papers sent to me with no one to guide us. Finally I decided to go with Justin Johnson and 1st Mariner Bank. He was very patient and was in contact with me throughout the whole time. As soon as I gave him the OK to go ahead, the process was very fast and simple. I would highly recommend Justin Johnson to anyone wanting to re-finance, he is the best.”
“We wanted to thank you, Kevin, for your patience and diligence throughout this process. It has been the smoothest transaction of its kind we’ve ever experienced.”
“Denise has been with us since our first mortgage, and we would not think of choosing any one else. Denise is the utmost professional. Knowledgeable, friendly and always available to answer any questions, she made the process a breeze. Knowing that we are a busy working family with two little ones, she not only gave everything her personal attention, but Denise made sure the entire process was straight forward, and convenient for us. She has gone above and beyond to make sure we were satisfied, and even followed up after we closed our loan. We can’t thank Denise enough for all that she has done. We look forward to working with Denise again in the future!”
“We wanted to express our complete emotions of gratitude and appreciation for an unrelenting, unbelievable, and unpredictable mortgage, that kept Mr. Matt Britton tackling every new twist, turn, and brick-wall that came up with as much determination and curiosity that caused this incredible drive within him. To take what we had and what he knew should and would qualify us, in spite of me doubting the cooperation of the second lien-holder, in spite of not having access to any comps for value assessment, not knowing what the appraisal would be, and in spite of me wanting to throw in the towel and give up (on several occasions), Mr. Britton never gave up on seeing to it that everything turned out great. Mr. Britton took this information with a plan of many plays and options and headed to the goal line. It took a while but before you knew it, it was 1st and goal to go. I likened it to a battle for one of the key islands in the Pacific during World War II. The enemy declared, “It will take a hundred thousand men a hundred years to take this Island,” but it took about 9000 Marines eleven unrelenting days. Every time we would win a battle, it kept us in the war. When the ticks of the clock gets louder and louder, Matt comes out of the huddle (out from underneath stacks of paper), and starts working his play, (faxes start up, confirmations sent, tabulations and calculations finalized, copiers activated, phone calls initiated). The next evening, a Notary Public representing 1st Mariner Bank drives up and starts the touchdown process. I have nothing but good things to say about 1st Mariner Bank. Matt did not let us give up, keeping us focused on the potential benefits of the outcome. There is no question that your team scored the EXTRA POINT.”
If you have any questions about a VA home mortgage or anything else you feel we can help you with, don’t hesitate to give us a call at 888-775-1585.